Life Happens: 7 Situations That Qualify You for Special Enrollment

Lost your job? Got married? Moved recently? You may qualify for health insurance right now — even outside Open Enrollment. Learn the 7 life events that trigger Special Enrollment.

Life Doesn’t Wait — and Neither Should Your Health Coverage

Open Enrollment comes once a year — but life doesn’t follow that schedule.

That’s why the Special Enrollment Period (SEP) exists. If you’ve recently gone through a major life event, you might qualify to get covered right now — even if Open Enrollment is closed.

Here are the 7 most common situations that unlock your chance to enroll immediately.

✅ 1. You Lost Your Health Insurance

This is one of the most urgent — and most misunderstood — triggers. If you:

• Got laid off

• Left your job

• Aged off a parent’s plan

• Lost Medicaid or CHIP coverage

• Had COBRA expire

...you typically have 60 days from the date your coverage ended to sign up for a new plan.

✅ 2. You Moved to a New Area

Even if your old plan is technically still active, moving to a new ZIP code, county, or state means your plan might not work where you live now.

You can qualify for SEP if:

• You moved permanently to a new address

• You had qualified coverage before the move

This is one of the easiest ways to get covered — especially if you just relocated for work, school, or family.

✅ 3. You Got Married or Divorced

Changing your marital status opens the door to adjust your health plan — or get on one for the first time.

If you just:

• Got married

• Got divorced and lost coverage from your spouse’s plan

You qualify for SEP and may even be able to combine household income to get better subsidies.

✅ 4. You Had a Baby or Adopted a Child

This is a high-priority life event under ACA rules.

Whether you:

• Gave birth

• Adopted a child

• Had a child placed with you for foster care

...you can enroll your child and your entire household during this period — and retroactive coverage may apply, too.

✅ 5. Your Immigration Status Changed

If you recently gained lawful presence in the U.S., you may now qualify for coverage under the ACA.

This includes:

• Green card holders

• Refugees or asylees

• Victims of trafficking

• Those granted temporary protected status (TPS)

✅ 6. You Were Released from Incarceration

If you've recently been released from jail or prison, you're eligible to apply for ACA coverage immediately — and may qualify for $0 premium plans.

This is often overlooked, but it's your legal right to access affordable health care after reentry.

✅ 7. There Was a Change in Your Income

A change in your household income can either qualify you for new subsidies or create a Special Enrollment Period on its own — especially if it affects your eligibility for Medicaid or ACA coverage.

If your income:

• Dropped suddenly

• Increased and disqualified you from Medicaid

• Shifted due to freelance or seasonal work

...you may qualify for new plan options now.

🧭 Not Sure If You Qualify? Let’s Find Out Together.

Most people don’t realize they qualify until they talk to a licensed agent. That’s where I come in.

I’ll help you:

• Check if your life event qualifies

• Confirm your eligibility window

• Find a plan that fits your new situation

• Get enrolled — fast, no pressure, no spam

📞 Take Action While Your SEP Is Still Open

You typically have 60 days from your life event to enroll. After that, you may have to wait until Open Enrollment starts again.

📱 Call or text me now: 407-815-5238💬 Chat with me instantly: Live agent chat botton right 📄

get your free quote now: 👉

🗣️ Real Clients, Real Life Events

"I didn’t know moving cities qualified me to switch plans. Jackson helped me get a new $0 plan that covered all my prescriptions."— Michael, Tampa FL

Life Changes Fast. Make Sure Your Coverage Keeps Up.

If anything on this list sounds like you, don’t wait.

👉 [Check if You Qualify – Start Now]👉 [Call or Chat for Help]